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Mike Stimmel

Disability Insurance - It Works When You Can’t

Three months off work due to an injury or accident? Now what? If you are hurt and unable to work for an extended period, your paycheck might stop coming, but your bills won’t.

What is Disability Insurance?

Disability income insurance provides you a monthly income if an injury or illness prevents you from working. You can customize your coverage by selecting a specific type of policy and the length of time you’ll be paid the monthly benefit.

Why Do I Need Disability Insurance?

If your employer offers a group disability plan, you may think you are covered. But, did you know that most employer plans only pay a portion of your salary (typically 60 percent or less), and are subject to income tax. Employer plans end when you leave the company. Buying supplemental disability insurance helps close those gaps and provide benefits no matter where you work.

Who Is Covered

No matter your profession, you can benefit from having some level of disability insurance to supplement your earnings if you are unable to work for an extended period. It’s not just for people in physical or high-risk professions; anyone who earns a paycheck can benefit from this coverage.

Long-Term Care & Disability Income insurance policies are underwritten by a variety of insurance companies that are not affiliated with our companies. See your Farm Bureau agent for more information about these products.

Agent must be a registered representative of FBL Marketing Services, LLC to discuss mutual funds or college funding options.

Health insurance policies vary by carrier & individual and may not be offered through all agents or available in all states. Health insurance is underwritten by a variety of insurance companies not affiliated with our companies.

Long-Term Care and Disability Income insurance policies are underwritten by a variety of insurance companies that are not affiliated with our companies.

IMPORTANT: The information and material contained on this Web site is not an offer to sell or a solicitation to buy any security or any insurance product in any jurisdiction. No security or other insurance product is offered or will be sold in any jurisdiction in which such offer or solicitation purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction. Not all products are available in all states. Exclusions, limitations and reductions may apply. This Web site briefly highlights Farm Bureau's insurance policies and their benefits. The contract is contained only in the policy. Farm Bureau products are offered by Farm Bureau agents. For more information about any Farm Bureau product, please contact your local agent or nearest office using the Agent Locator.